The same thing happened to me! I paid online for £1 electric toothbrush but then decided against it and cancelled the transaction. Without my knowledge the point pay have in spite of me cancelling the transaction been taking £45 out of my account every month! I only realised recently because I applied for online banking and can now see all the transactions that are going in and outside of my card. I am so angry! God knows how much money they have stolen from me I'm so mad. Luckily I managed to cancel their 'VIP subscription' by getting onto their website, figuring out which of their point websites were scamming me (PointShop), I went on the option that I had forgotten my password to see if I was even registered on there. If I wasn't they would probably say on the website that an account with that email address doesn't exist. It did exist. I figured out my password and then manage to unsubscribe and delete the account so they definitely can't get my money now. So ha to them! I'm still annoyed that they stole my money but at least they can't steal anymore!